---
title: "Zaim (ザイム)"
aliases:
  - "Zaim"
  - "ザイム"
  - "株式会社 Zaim"
  - "Zaim Inc."
domain: payment-firms
created: 2026-05-24
last_updated: 2026-07-30
last_tended: 2026-07-30
review_by: 2026-11-20
confidence: likely
tags: [JapanFG, fintech, pfm, household-finance, kddi]
status: active
sources:
  - "https://content.zaim.net/"
  - "https://content.zaim.net/company/"
  - "https://news.kddi.com/kddi/corporate/newsrelease/2022/04/14/6014.html"
---

# Zaim (ザイム)

## Wiki route

This entry sits under the [[payment-firms/INDEX|payment-firms INDEX]] as a **PFM (Personal Financial Management)** app sitting next to the much larger [[payment-firms/money-forward|Money Forward]] ME peer. Read it with the [[payment-firms/bnpl-landscape|Japan BNPL landscape]] for adjacent consumer-finance context, the [[payment-firms/freee|freee]] / [[payment-firms/smartbank|SmartBank]] sibling household-finance set, and the [[megabanks/au-fh|au フィナンシャル HD]] corporate context for the KDDI-affiliated branch story. The [[payments/japan-bnpl-credit-purchase-boundary|BNPL and credit-purchase boundary]] and [[payments/credit-purchase-card-operators-japan-index|credit-purchase registry]] page sit one layer down the regulatory stack, while the [[payments/japan-payment-scheme-economics-matrix|Japan payment scheme economics matrix]] explains why PFM apps depend on account-API economics.

## TL;DR

Zaim は 2011 年公開の国内最古参クラスの **家計簿アプリ**。[[payment-firms/money-forward|Money Forward]] ME と並び個人向け PFM カテゴリを形成してきた fintech 残量で、2022-04 に **KDDI 子会社化** され au 経済圏 ([[megabanks/au-fh|au フィナンシャル HD]]) のデータ起点アセットとして再配置された。レシート OCR + 銀行・カード API 連携 + 自治体給付金検索という機能セットが特徴。

## 1. 法人・ライセンス境界

The following table is scoped to public primary sources (content.zaim.net, news.kddi.com). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^[source:content.zaim.net; news.kddi.com]

| Item | Reading |
|---|---|
| Legal entity | 株式会社 Zaim |
| Group | **KDDI 100% 子会社**（2022-04 完全子会社化）、[[megabanks/au-fh|au フィナンシャル HD]] 経済圏内 |
| Product | Zaim 家計簿アプリ（iOS / Android / Web）|

## 2. Business role

- レシート撮影 + OCR + 自動カテゴリ分類 + 銀行・カード明細自動連携によって家計を可視化する PFM アプリ。^[extracted]
- 自治体給付金 / 公的支援サービス検索など、家計外延の **生活情報レイヤー** を持つ点が [[payment-firms/money-forward|Money Forward]] ME と差別化軸。^[extracted]

## 3. Why this standalone page matters

PFM カテゴリは [[payment-firms/money-forward|Money Forward]] ME 一強と見られがちだが、Zaim は **独立創業 → KDDI 完全子会社化** という稀有なエグジット経路を辿り、通信キャリア経済圏内 fintech 残量の典型例として独立ページが必要。

## Related

- [[payment-firms/money-forward]]
- [[payment-firms/freee]]
- [[payment-firms/smartbank]]
- [[megabanks/au-fh]]
- [[payment-firms/au-payment]]
- [[payment-firms/bnpl-landscape]]
- [[payment-firms/famima-digital-one]]
- [[payments/japan-bnpl-credit-purchase-boundary]]
- [[payments/credit-purchase-card-operators-japan-index]]
- [[payments/japan-payment-scheme-economics-matrix]]

## Sources

- Zaim corporate site: https://content.zaim.net/
- Zaim company profile: https://content.zaim.net/company/
- KDDI 2022-04-14 press release on Zaim becoming a wholly owned subsidiary: https://news.kddi.com/kddi/corporate/newsrelease/2022/04/14/6014.html